I'm just curious to see how much this varies from region to region...
I'm paying $3007.56/year for BlueCross-BlueShield for my wife and I... So $1503.78 per person.
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I'm just curious to see how much this varies from region to region...
I'm paying $3007.56/year for BlueCross-BlueShield for my wife and I... So $1503.78 per person.
Same insurance here, wife gets it through her job. I think it's about $170 bi-monthly, or approximately $4,080 annual. But, her job also gives an earned premium credit, so to speak, of $1,000 per year to turn in scripts and co-pays against. We end up paying nothing out of pocket.
Jeremy
About the same here Jeremy .. BCBS but thru COBRA .. just a tad over $4000 a year for the two of us.
But, were it not for Mr Obama's initiative and subsidy ... that bill would be upwards of $958 per month, or a whoppin $11,500 a year.
That's prohibitive
I pay $968/year
But it only goes up as you get older.
2400 a year..not including co-pays and prescription co-pays
Is that a full policy or just major medical? Student?Quote:
Originally Posted by marshallh
Jeremy
Wife just got home from work. I underestimated. It is $180 bi-monthly. Health/Dental/Vision. BCBS with Vested Health(the $1,000 that goes towards our deductible). So, it's more like $4,320 annual, but I feel the Vested Health is a benefit, so that puts me at an adjusted rate of $3,320 annual. :)Quote:
Originally Posted by HilbillyHomeboy
Jeremy
no BS i pay 757/year. For med, den, and vision. Its just for me. no fam plan. I work full time.
Yeah, the jump from single to family is nasty. If my wife had just herself it's like $80 a month... What pisses me off, is her family plan is you and your spouse...and you can have 14 million kids on top of that, same rate. We have no kids, but pay the same rate as someone who has unlimited rugrats. :(
Jeremy
I cut my plan pretty harsh for the coming calendar year. Not sure what my final cost will be yet as there's some discounts that haven't been applied yet, but it looks like it's be about $1,100/yr for medical/dental/vision for just me. Adding a spouse would over double that (Would love to see the math on that one), then it gets even higher if I want to add kids. 5 years ago I worked at a place where I didn't pay a dime for insurance. Now I can count it in the thousands of dollars for something that I rarely use, but am too afraid to drop due to medical costs in that one case that I might need it.
I didn't purchase the medical because they wanted almost $2000 a year for just me. I did buy the dental which is still too much at around $312 a year.
I was paying $906/yr but they were going to raise it to $1320/yr so I had to drop it. This was for medical only. No dental/vision.
The real question is, how much would it cost you without that dental insurance?Quote:
Originally Posted by stealthee
With full health, dental, and vision on the best plan that my company offers I pay around $600/yr (BCBS) working part time.
That is fucking ridiculously cheap.Quote:
Originally Posted by onebadmollafolla
Company I work for is truly phenomenal. The benefits here are outstanding. I should also mention that price also includes are pretty good sized life insurance policy as well.Quote:
Originally Posted by blindmist
Considering I havent even used the dental insurance, less.Quote:
Originally Posted by blindmist
I am retired so I pay 100% out of my pocket for my own medical insurance. Currently here in WA I pay $415/month for a policy that has a $3k deductible. It seems like even more because I got real used to the city paying 100% of everything. LOL. Still a decent % of monthly budget though.
$2913.04 for a incredibly good family plan. Cigna handles the paperwork but the funding is fully paid by our company. I did hear recently that it will be going up.
ouch. Do they at least give you a reach around for that price?
Was that meant toward me ? I think its more than fair for the coverage. Its a year figure.Quote:
Originally Posted by Jeremy C
LOL, Nope.Quote:
Originally Posted by Jeremy C
And the price goes up every year, regardless. While the policy excludes more and more each year.
When I was with Microsoft it cost me $0.00 and no co-pay through BCBS Premera! They covered all costs! It was great!
With the new company I am with it is costing me $1k year for Med-Vis-Den. $20.00 co-pay..... Not to bad for how small the company is, but we are growing fast!
$3k/yr, med only, me only, with a $2,500 deduct. Going to go up at the first of the year, too. :sadpanda:
I have no deductible. Just a small $15 copay.
Wow I'm so glad I'm in Australia and aren't forced to get medical/dental!!! Here you may wait a little longer (but not much) for big operations compared to "going private" but at least they are free...
Nothings free...
That sounds cheap compared to what I've been quoted in Oregon...Quote:
Originally Posted by cjbyron
Pretty much why I'm currently uninsured...
No they are free. Even though they are run with our taxes. But even those who have private health pay the same tax. So in my eyes its free!!!Quote:
Originally Posted by CoreyB
We pay about $800 a month for medical/dental/vision, with no deductable. We also get a $3500 per year flex account so no co pays on meds. This is for a family of 4. Every doctor/dentist/optometrist, whatever make comments all the time about how good out plan is. My wife just had 2 root canals, for $0 out of pocket. Our youngest has severe autism and has several therapies a week, his brother is at the doctor all the time with 11 year old boy injuries, we get our money's worth. This is through Banner health, the hospital my wife works at.
Thats a damn good plan. I wish I didnt have a copay on dental.Quote:
Originally Posted by donniekak
The copay was $120 ish, but was paid out of the flex account.Quote:
Originally Posted by CoreyB
Interesting thread to read today. I'm meeting with someone about health insurance this afternoon. If we went through Alan's COBRA, it's going to cost us $1503 per MONTH! That's for both of us, BCBS, $50 co-pay on prescriptions, $20 co-pay on office visits, and includes dental and VSP vision (not great, but it's something and it's very inexpensive). I'm asthmatic so we need to have coverage... Ours ends tomorrow. :( Working quick to get something else.
Through my company it would have been $360 a month for my wife and I. But we declined that since we wouldn't have used it much.
My wife's work its $110 a month for both of us per month.
Hi Lori, My BCBS is $1895 per month family rate standard option. Same co-pays and they cover only 75% of doctor bills after the deductable is met.Quote:
Originally Posted by Lori
The high option family rate is $2675 per month then they pay 95% of the doctor bill after deductable is met. And deductables are lower.
P.S. We pay the entire bill, no employer help like many people get.
Just medical, I figured it'd be best to have my own coverage that stays with me so I don't sweat it when switching jobs in the future. It went up $150 from last year, I'm 20.Quote:
Originally Posted by HilbillyHomeboy
Good lord, that is high. :ohnoes:Quote:
Originally Posted by beepbeep
Holy fuck! Thats $22,740/year which is undoubtedly more than a lot of the people in this thread make. Is that really the most cost effective option?Quote:
Originally Posted by Hammer
So I guess my rates are a little on the high side, but pretty close to average.
I pay cash for all of my medical needs, because I can't afford decent insurance.
My liability guy says there are basically two "worthwhile" plans; Blue Cross (full coverage/pre-existing conditions), and the "Other" (full coverage/no pre-existing conditions).
For myself and my wife, the Blue Cross plan would be about $4200 per month.
The "Other" would be about $2800/month.
These costs are, of course, before "underwriting".
Such a deal.
Considering that, "medical savings plans" make just a bit too much sense, don't they?Quote:
Originally Posted by AdamVR4
I pay nothing but copays. My insurance rocks.